1. Don't buy insurance, this is basically a loss. Savings insurance is meaningless to ordinary investors, no matter how high the interest he promises, it is recommended not to consider it.

2. Bank savings and treasury bills can be purchased directly from ICBC's online bank, and other banks are similar.

It is suggested that 1/3 should be a time deposit or national debt with a term of about one year, so as to maintain currency liquidity and prevent interest rate increase losses.

The stock market is not good recently. You can consider opening an account first, and then enter when the market improves. However, this is very difficult. It is basically good for retail investors not to lose money. Don't expect to make a lot of money. If you have to choose, invest within 1/4.

4. Advanced funds, precious metals (gold and platinum), foreign exchange and online loans. You can look at the money fund first, study it and then consider it.